Abstract
This study aims to determine the effect of Mudharabah Financing, Musharaka Financing and Ijarah Rental either partially or collectively on the level of profitability at PT. Bank Indonesia Syariah, Tbk. The research method used in this research is descriptive and verification methods with a quantitative approach. This study uses a multiple linear regression analysis model, using four classical assumptions, namely normality, multicollinearity, autocorrelation and heteroscedasticity. Based on the results of research using multiple regression analysis, for Mudharabah Financing, it is concluded that Mudharabah Financing (X1) has no significant effect on the level of Profitability Level (Y). Furthermore, for Musharaka Financing, it is concluded that Musharaka Financing (X2) has a positive and significant effect on the level of profitability. Then for the Ijarah Rental, it is concluded that the Ijarah Rental (X3) has no significant effect on the Profitability Level (Y). Then the conclusion is that Mudharabah Financing (X1) and Ijarah Rental (X3) have no significant effect on the Profitability Level (Y), while Musyarakah Financing has a significant effect on the Profitability Level (Y). Penelitian ini bertujuan untuk mengetahui pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Sewa Ijarah baik secara parsial maupun kolektif terhadap tingkat profitabilitas pada PT. Bank Indonesia Syariah, Tbk. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif dan verifikatif dengan pendekatan kuantitatif. Penelitian ini menggunakan model analisis regresi linier berganda dengan menggunakan empat asumsi klasik yaitu normalitas, multikolinieritas, autokorelasi dan heteroskedastisitas. Berdasarkan hasil penelitian dengan menggunakan analisis regresi berganda, untuk Pembiayaan Mudharabah dapat disimpulkan Pembiayaan Mudharabah (X1) tidak berpengaruh signifikan terhadap tingkat Tingkat Profitabilitas (Y). Selanjutnya untuk Pembiayaan Musyarakah, dapat disimpulkan Pembiayaan Musyarakah (X2) berpengaruh positif dan signifikan terhadap tingkat profitabilitas. Kemudian untuk Sewa Ijarah disimpulkan bahwa Sewa Ijarah (X3) tidak berpengaruh signifikan terhadap Tingkat Profitabilitas (Y). Maka kesimpulannya adalah Pembiayaan Mudharabah (X1) dan Sewa Ijarah (X3) tidak berpengaruh signifikan terhadap Tingkat Profitabilitas (Y), sedangkan Pembiayaan Musyarakah berpengaruh signifikan terhadap Tingkat Profitabilitas (Y).
Highlights
The establishment of Islamic banking institutions in Indonesia was driven by strong pressure from the Muslim community to avoid bank transactions that were seen as containing elements of usury
Conclusion based on the results of data analysis and discussion that has been stated in the previous section, the conclusion is that from the simultaneous testing, there is a significant influence between mudharabah financing, musharaka financing, and ijarah leases on the profitability level
Mudharabah financing and ijarah leases have no effect on return on assets
Summary
The establishment of Islamic banking institutions in Indonesia was driven by strong pressure from the Muslim community to avoid bank transactions that were seen as containing elements of usury. The prohibition of usury in Islam is the main guideline for Islamic banks in carrying out business activities, so that the debt contract between Islamic banks and customers must be in an interest-free corridor. The Islamic banking mechanism is a practice of the Islamic economic system which aims to ground the Islamic value and ethics system in the paradigm and practice in the economic field. The presence of Islamic banks is expected to boost the economy of a country. The objectives and functions of Islamic banking in the economy are: widespread economic prosperity, optimal economic improvement, equality of income and wealth, balanced value for money, management of savings and investment that ensures appropriate returns, and the best service
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